Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Activation And Deactivation Of Credit Card Auto Debit Facility

    A credit card is an exciting banking product offered by several banking companies today. It enables users pay merchandisers for services and commodities on the basis of users’ promises to credit card companies.

    Credit cards differ from cash cards and charge cards, and provide significant benefits to cardholders, including an auto debit facility. What is an auto debit? An auto debit is a money transfer slated on a specific date to remit recurrent bills such as home mortgage EMIs, property loans, vehicle loans, utility bills, credit card bills, etc. The credit cardholders who enroll for an auto debit service are entitled to receive significant benefits.

    Activation Of Credit Card Auto Debit Facility Online

    An auto debit facility on credit cards is offered upon a request made by cardholders, but it is not compulsory. Whether or not to use this facility is left at the discretion of credit card users. This option holds good for some people, but not for all.

    Different people have different opinions when it comes to making payments. Some people prefer making payments online while others do not. The credit card auto debit can be activated online within a few minutes. For more details, the customer care professionals of respective bankers can be contacted.

    Prime Benefits Of Credit Card Auto Debit Feature

    The activation of credit card auto debit offers significant advantages. The prime benefits are listed below:

    • Timely and consistent payments can be assured and time can be saved.
    • Customers avoid paying unnecessary late payment fees and charges.
    • It is the most convenient option to make payments online.
    • The risk of identity theft can be lessened.
    • Cardholders can build and maintain a credit history through consistent payments. They can also get reward points and build a good credit score.
    • It offers flexibility in terms of payment methods, which are two in number: 1) total amount due (TAD) and 2) minimum due amount (MDA).

    Demerits Of Activating Credit Card Auto Debit Facility

    • Customers may lose track on monthly bills since they are automatically paid.
    • Sometimes, a few companies may ask customer pay a fee for offering this facility.
    • Stopping automatic payments may be difficult.
    • Customers should have an adequate account balance. If not, they have to pay bank overdraft fees.

    Deactivation Of Credit Card Auto Debit Facility Online

    The deactivation of credit card auto debit can be done online by following the guidelines provided by your bankers. Experts suggest not to deactivate an auto debit facility unless you really require it. The deactivation of credit card auto debit can be initiated whenever you want. The following are a few circumstances that necessitate you to deactivate the auto debit facility on your credit cards:

    • When you change a job, you may or may not continue banking with the previous bank account and credit card account,
    • When you want to close the existing credit card account and obtain new offers,
    • When you change the job location and,
    • When the bank balance is insufficient to make payments.

    Merits Of Deactivating Credit Card Auto Debit Feature

    Monthly payments can be tracked easily by customers who prefer making payments in cash. The deactivation of credit card auto debit has been a good option from the stance of the people, who cannot maintain consistent cash inflows. It holds appropriate for multiple credit cardholders as well.

    Demerits Of Deactivating Credit Card Auto Debit Facility

    • Credibility and credit scores may be affected negatively.
    • Other payment options consume time.
    • The people who have not enrolled for this facility may face the risk of identity theft.
    • Sometimes, you may default on payments. Late payments attract late payment fees and charges, which in turn overburden your financial obligations.

    Process To Activate SBI Credit Card Auto Debit Facility

    SBI customers are required to download the auto debit activation form from the website of the bank, which is www.sbicard.com, and then the form should be filled in and cross-validated by your concerned banker. The physical copy should be sent to the below cited address:

    SBI Cards and Payment Services Private Limited

    P.O. Bag No.28, GPO, New Delhi – 110001

    Details to be furnished in an auto debit form for SBI credit cardholders

    • You have to furnish your SBI account number and SBI credit card number.
    • You have to specify any one of the two payment options: 1) minimum amount due (MAD) and 2) total amount due (TAD).
    • Personal details such as name, address, Email id and contact number should be furnished.
    • You have to specify the name and address of your bank branch along with the code of the branch.

    Process To Deactivate SBI Credit Card Auto Debit Feature

    You have to download the auto debit deactivation letter from the official website of the bank, which is www.sbicard.com, and then you have to fill it. The letter should be sent to the below mentioned address:

    SBI Cards and Payment Services Private Limited

    P.O. Bag No.28, GPO, New Delhi – 110001

    This is how you can stop the facility of credit card auto debit offline.

    Process To Activate HDFC Credit Card Auto Debit Facility

    HDFC customers have to follow the below mentioned steps to activate the credit card auto debit online:

    For new bills

    1. Login to HDFC internet banking using your credentials.
    2. Once you are logged in, please find the ‘Billpay and Recharge’ button.
    3. Click the ‘Billpay and Recharge’ button. Upon clicking the button, you will find the ‘Add Biller’ button.
    4. Click the ‘Add Biller’ button, you will find the ‘Enter new bill details’ button.
    5. You have to choose the credit card option and standing instruction.

    For registered bills

    1. Login to HDFC internet banking using your credentials.
    2. Once you are logged in, please find the ‘Billpay and Recharge’ button.
    3. Click the ‘Billpay and Recharge’ button. Upon clicking the button, you will find the ‘Standing Instruction’ button.
    4. Click on Modify, Delete and Set in order to choose the bill for which you are willing to set standing instruction for.
    5. Click on Set and then furnish your credit card details, including the credit card number and the expiry date.

    Process To Deactivate HDFC Credit Card Auto Debit Facility

    HDFC customers can deactivate the credit card auto debit facility online by following the below cited steps:

    1. Log on to your HDFC internet banking.
    2. Find the ‘Bill Pay and Recharge’ button and click.
    3. Click the ‘Continue’ button.
    4. Click the ‘Standing Instruction’ button.
    5. Click the ‘View/Stop Scheduled Bills’ button.
    6. Find the name of the biller and click the ‘Stop’ button.
    7. Find the ‘My Billers’ button and click.
    8. Click the ‘View/Delete Billers’ button.

    Step 9) Now, the screen will display the list of active billers. Click the blue ‘Trash’ icon to remove the biller.

    Process To Activate ICICI Credit Card Auto Debit Facility

    ICICI Credit Card Auto Debit Activation Online

    ICICI customers can activate the credit card auto debit service online. To do it, one must have online banking service enabled. If not, you should obtain online banking credentials.

    Once you are logged in to your ICICI online banking, Click the ‘’My Accounts’ button and navigate to ‘Credit Cards’ section.

    Find the ‘Auto Debit Setup’ button and click. Find the ‘Auto Debit Instructions Confirmation’ button and click. This is the field that requires you to choose your credit card and bank account number. Set Up Auto Debit should be set to ‘Yes’. Finally, you should choose the mode of payment of your choice.

    Click the ‘Submit’ button. You are done!

    Process To Deactivate ICICI Credit Card Auto Debit Facility

    1. Login to ICICI net banking using your credentials.
    2. Navigate to ‘My Accounts’ section and select the ‘Credit Cards’ button.
    3. Click the ‘Credit Cards’ button to find the ‘Auto Debit Set Up’ button.
    4. Set the status of Set Up Auto Debit to ‘No’.

    Process To Activate Axis Bank Credit Card Auto Debit Facility

    1. Log on to you Axis bank online banking using your credentials.
    2. Click the ‘Cards’ button and select the ‘Auto Debit’ option.
    3. Choose the credit card number and click the ‘Submit’ button.
    4. Select the payment option. It should be either Total Amount Due or Minimum Amount Due. Hit the ‘Submit’ button.
    5. Provide OTP. You are done!

    Process To Deactivate Axis Bank Credit Card Auto Debit Facility

    Axis Bank customers can stop the credit card auto debit service online. No funds shall be transferred to your billers once you deregister the Axis credit card auto debit facility. If you don’t have credentials for accessing Axis Bank internet banking, be sure to get it.

    Process To Activate Citibank Credit Card Auto Debit Facility

    1. Login to Citibank internet banking.
    2. Click the ‘Payment’ button and the ‘Manage Autopay’ button.
    3. Click the ‘Enroll on the Account’ button and choose the account you want to sing up.

    How To Deactivate Citibank Credit Card Auto Debit Online

    The facility of Citibank credit card auto debit can be deactivated online to assure that no funds are transmitted to billers. Make sure your Citibank online banking is enabled. If not, get it done.

      

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    Activation And Deactivation Of Credit Card Auto Debit Facility Reviews

    • Bank Bazaar Credit Card
      "Got my free credit card through Bank bazaar"
      0.5 5.0/5 "Blown Away!"
      I got my new credit card from Bank bazaar based on my credit score . When I am checking free credit score in their portal , I got a call from the sales team . Based on my score there was a life time free card is available . Then I decided to go with this card .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about this bank bazaar service through on line,i am happy with their service and i have applied for credit card from them, i have not faced any issue or difficulty in that getting my credit card, whole process when smoothly and i have used mobile application it is easy to access.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have one more credit card last two years from punjab national bank , this is free card , but I am not satisfied with credit limit just 10k after using 1.6years then increase only 10k , now credit limit is 20k , and their customer service is good ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Their customer service is not good I try but every time call is not going , I have taken one RBL credit card here is credit limit is 45k not much happy ,last one years I have this credit card , I am not getting any offer , and I dont know this is charges or free , but I am satisfied with this credit card ,
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for HDFC BUSINESS MONEYBACK credit card for recently, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was okay, the card came on time there was no delay or issue in getting card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • YES Bank Credit Card
      "Not upto the expectation"
      0.5 3.0/5 "Satisfactory"
      Yes bank has not given me the expected credit limit when I was promised before buying this credit card . I am not received any promotional offers for this card . But the executive has given big hype about having and using this card . There will be huge credit limit and so many offers will be available .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I came to know about bank bazaar service through on line, this is my first time i have been availing their service, their website is good, but one thing i would like to suggest them is that stop doing too much of spamming call, i use to get too much of call from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • RBL Bank Credit Card
      "Need improve their customer care"
      0.5 5.0/5 "Blown Away!"
      I am happy with the service of RBL bank, but i am not happy with their customer care service they are not up to the mark, as i use to get too much call a day i use to get call up to 40-50 times, and there is language barrier as well, they do not speck English properly,i have been using this card from past one and half years,but from last 3 months i face this issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Outlets should be increase"
      0.5 3.0/5 "Satisfactory"
      I hold Amex credit card from long time, but i am not happy with the card, their service is good, but it is not useful for me, they should increase in many outlet this card, even i do transaction in on line, i could not do online transactions as it use to show as invalid offers for amex card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about bank bazaar service through on line, this is my first time i have been applied for their service, their mobile application is good,it is user friendly application, but one thing i would like to suggest them is that they should reduce the call flow.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Overall experience is good"
      0.5 4.0/5 "Great!"
      The customer services and response is good at Bankbazaar. I got regular messages about the updates. The website is good and it is easy to use and understand. There were follow up calls as well. It was easy to get the details of the banks and their offers too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Indusind bank credit card for recently, they have not charged me annual fee as it is life time free credit card, i am not happy with the credit limit they have given me less credit limit, like they said 75,000 i will be getting so far but after that they have just given me 50,000 as an limit, the reason for choosing this card is for their offers for shopping and movie tickets, there was much delay in getting loan, there was wrong information was given , the pin got generated after 15 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good. Can do better"
      0.5 3.5/5 "Pretty good"
      The documents was taken on time for the credit card. The updates was not done for me. I had to call the person who took the documents and I was told that the paper work is processed and I will get the card in few days. The follow up calls was not there with HDFC Bank. There are charges annually for the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I came to know about bank bazaar through my friend because this is the good financial product, so once i download the app i repeatedly getting calls from bank bazaar, i would like to suggest to get minimum the calls. The best part of bank bazaar which i would like to share is providing the amazon voucher offer.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • HDFC Bank Credit Card
      "Good reward point"
      0.5 4.0/5 "Great!"
      I got my HDFC credit card very recently . in HDFC also I am not happy with the credit limit . I thought HDFC has a great brand value they always fulfill the customers requirement . But interms of credit point they made me so happy with that . Their credit point has some value .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI credit card from long time, They have not charged me annual fee, they use to give good offers in shopping, i am happy with the credit limit which they have given to me, they use to give good offers based on my requirement so far i did not face any issue.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 24, 2019
    • Bank Bazaar Credit Card
      "High level customer service"
      0.5 3.5/5 "Pretty good"
      Bank bazaar has proved strongly they are the masters of digital shopping . They know the nook and corner of the business strategy . I am so thankful for the bank bazaar customer service and guiding me a correct credit card according to my taste .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • American Express Credit Card
      "Completely disappointed with the credit limit"
      0.5 2.0/5 "Expected more"
      Highly disappointed with the American express service . When I am taking a card with very high interest with them they given a credit limit of only 25 k. I though it was a international credit card, their limit also will be in higher scale . But complete collapse of my dream .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
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